Friday, June 1, 2012

Some Tips About Travel Insurance

Some people never buy travel insurance. My husband and I, on the other hand, always buy travel insurance. In the past it was because we had elderly parents and need to be prepared in case something happened to one of them. Now it is because of our own health status that we buy insurance. If you decide to buy trip insurance, here are some tips that might help you out.

If you have a chronic health condition, be sure to buy insurance that covers pre-existing conditions. Typically, this means you have to buy your insurance within a set period -- for instance within two weeks -- of depositing your trip.

Confirm that the insurance company will pay medical expenses directly. This will save you from the hassle of paying the expenses yourself and then waiting for reimbursement.

If you will be traveling independently and have minimal prepaid expenses to worry about, you can buy a freestanding emergency medical evacuation policy from a company like Divers Alert Network. And you don't need to be a diver to take advantage of their coverage.

Two excellent sources for comparing travel insurance coverage and cost are SquareMouth and Insure My Trip.

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